Tala: Fast & Safe Pesa Loan

Introducing Tala’s new personal line of credit offering continuous access to credit! Apply once and borrow against your credit limit of up to KSH 50,000 as often as you need to. Download the app & get started today! Tala is licensed by the Central Bank of Kenya & trusted by 10+ million customers.

👉 TALA KEY FEATURES
✔ Only 1 ID needed
✔ Takes only 5 mins to apply
✔ Quick cash approval
✔ Double your credit limits fast
✔ Rates as low as 0.3% per day
✔ No paperwork, collateral, or bank account needed

HOW IT WORKS
• Apply in Minutes
Download the app and answer a few easy questions so we can give you a customized credit offer.

• Choose your Terms
Confirm your desired cash amount and select your target repayment date.
Terms of up to 120 days.

• Get your Cash
Money sent directly to your MPESA.

• Continuous Access
Apply only once and get continuous access to borrow up to your approved credit limit (subject to terms and conditions).

• Repay Easily
Use M-PESA Xpress or our Paybill number 851900 and the phone number you signed up with. You can pay in full or make partial payments anytime, on or before your due date.

WHO CAN APPLY
✔️ Any resident citizen of Kenya 18+ years old
✔️ Eligible persons holding valid ID and a mobile number

Tala App Highlights

✔ ULTIMATE CONTROL
• No auto-debit - guaranteed! You decide when you are ready to repay
• If your plans change, the cost of your line of credit will automatically adjust

✔ NO HIDDEN FEES
• Daily interest rate as low as 0.3% (that is only KSh 6 per day for borrowing Ksh 2,000)
• Only pay for days you need
• No access charges

FAST LIMIT GROWTH
• Limits up to KSh 50,000
• Fastest limit growth in the industry
• Most customers double limits in months

SECURE
• Tala secures your personal information with SSL encryption
• Tala treats all customers with respect, even if you are late on repayment

REWARDING
• Earn KSh 500 off the next time you borrow when you refer friends to Tala*
* Referral Terms: tala.co.ke/referrals

PERSONAL CREDIT LINE TERMS
• Credit limit amounts: KSh 1,000 to KSh 50,000
• Daily interest is charged on the amount of credit you borrow, ranging from 0.3% to 0.6%
• APR Rate Range: 109.5% – 219.0%
• Example: Suppose you borrow Ksh 10,000 at a daily interest of 0.3% and a repayment period of 120 days
🧾Interest calculation: KSh 10,000 * 0.3%* 120 = 3600
💰Total amount disbursed: KSh 10,000
💸Total amount to repay: KSh 13,600 (KSh 10,000 + KSh 3600)

A one-time late fee of 8% of the outstanding amount is applied to credits with an overdue payment term.

All amounts payable by you for any credit line will be displayed prior to you accepting the credit line and disbursement by us to your mobile money wallet.

You will have ongoing access to cash if you clear your outstanding balance and keep your Tala relationship in good standing (some exclusions apply). All lines of credit are subject to terms and conditions. Always study the terms and conditions and the disclosure statements before proceeding with any transaction.

PRIVACY & PERMISSIONS
All data collected is to verify your identity and build your credit profile. Tala never discloses any personal information to anyone that is not you without your permission or sells your data to third parties. Tala is registered with the Office of the Data Protection Commissioner & our Privacy Policy is here:tala.co.ke/app-privacy-notice/

CONTACT US
Email: hellokenya@talamobile.com
SMS: 21991
Website: tala.co.ke

DISCLAIMERS
Tala is not a bank or a personal loan app. Instead, we provide personal lines of credit to consumers. Tala is not associated with online mobile cash loan apps in Kenya, such as ZKPesa, TruePesa, Meta Loan, Zash Loan, Zenka, LOOP, Branch, Kashbean, Timiza, FleshPesa, Creditmoja, KCB, Hustler fund, Credit Hela, Equity Bank app or Mkopo Rahisi.